Our Online Banking system uses the U.S. ACH (Automated Clearing House) network to transfer funds from your bank account. When you make a deposit on our site, the funds are not pulled immediately. Instead, they are usually processed within 48 hours.
Because of how the ACH system works, our payment provider does not receive final confirmation of the funds for several days. If the deposit cannot be collected (for example, if there were insufficient funds in your account), your ability to use ACH deposits may be temporarily restricted until the funds are successfully retrieved. The provider may attempt to collect these funds multiple times over the following weeks, and if unsuccessful, they may send the outstanding amount to collections.
What affects your deposit limits?
Your ACH deposit limits are determined by our payment provider and are based on several factors, including:
1. How long you’ve had an account with us
2. Your payment history across their network
3. Your deposit patterns (e.g., frequent changes in amounts or accounts may trigger additional review)
4. Any outstanding or past-due deposits within their system
How to increase your limits
We recommend starting with smaller deposits and gradually increasing them as your account history builds. For example, first-time deposits of $100 or less are more likely to be approved than larger initial amounts.
We do not directly control the limits our provider sets, as they use their own risk and fraud monitoring tools. However, if you have been with us for at least 90 days with a positive deposit history, you may contact our customer support team to request a review of your limits.
Think of it like a short-term credit system
ACH works much like a temporary credit facility: the provider allows the funds to be credited before they have fully cleared. As you establish a positive track record, your limits are likely to increase.
Prefer faster deposits?
If you want to avoid ACH limits or delays, consider using Visa, Mastercard, PayPal, or Venmo. These methods typically process instantly and are only subject to your bank’s limits.